The Best Online Loans in Mozambique (Avoid Loan Sharks!)

Avoid loan sharks! Check out a selection of the best mobile and digital loan services available in Mozambique, with interest rates, pros and cons.

1. Txuna M-Pesa (Vodacom / M-pesa Moçambique)

• 📱 Available via App M-Pesa ou código USSD *150#
• 💰 Amounts: up to 3,500 MT
• 💸 Interest Rates:
  1. 10% for 7 days
  2. 12% for 14 days
  3. 15% for 30 days
• ⚡ Speed: money in minutes
• ⏱ Repayment in up to 30 days

✅ Pros: Fast, no paperwork, no collateral
❌ Cons: High interest if late, small limit for new users

2. IZI Micro-credit (Millenium BIM Bank)

• 📱 *181# or SmartIZI app
• 💰 Amounts: up to 5,000 MT (for loyal customers)
• 💸 Interest: ~4% for 45 days
• ⏱ Repayment in up to 45 days

✅ Pros: Higher limit with history, longer short-term payment period, very low and transparent rates
❌ Cons: May reject new users

3. Money Service C

• 🌐 Application via NETPlus Web, NETPlus App ou QuiQ(USSD)
• 💰 Amounts: 5,000 MT to 200,000 MT
• 💸 Interest: 11.25% + Fees/Taxes

✅ Pros: Lower rates, higher loan amounts
❌ Cons: Slower process, requires documents and credit history

⚠️ Stay Alert!

• Always read the terms before accepting
• Avoid delays: compound interest can be costly
• Avoid using it for impulse spending or gambling

💡 A safe alternative to loan sharks – with less risk, more dignity.

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